insurance

Month: January 2018

If you ask people around many people will say that it is impossible to make money with wholesale video games. To become a millionaire selling video games, that is true. You can earn good money by doing resale of video games accessories, games and collections. The golden secret is, where are you getting your products for resale in order to get a 20-30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} profit margin? You will have to sell lots of video games in order to earn a living out of it, that's a fact.

But why only focus on wholesale video games when you can sale a diverse of items and earn a full time income if you sell on your own website or established websites? By offering wholesale games and accessories in your own online niche website you maximize profitability. When it comes to games offer games that have both domestic and international appeal. Likewise, such selection on your own private website should carry games that can attract both sexes and can cut across age levels.

Also, offering a wide variety of accessories for your wholesale video games; From console, to cable, to controller and near everything else that refer to games would be ideal. It is also important to note that your first time customers usually became repeated customers. So making sure first order runs smoothly would be ideal for your pocket as small business provider.

So what are some of the requirements for your e-commerce online shop to run smoothly as far sales and customer satisfaction goes? Explained are immediate ways to keep customer satisfaction in your website now and in the future.

Structure your e-commerce store Correctly: Having great products to sell is one thing. Having the right offer presentation as far template, where products are being offered, professional design being used, shopping cart to process orders and user-friendly process from visit to sale are a different story. Either test this yourself or gather help from someone that has experience in this manner.

Website loading speed! Did you know that there are still million dollar companies using 56k internet connection? Shocking, but it is the truth. Not everyone needs a T1, cable or DSL connection to use the internet. Meaning, make sure your website loads in less than 5 seconds. Just count the seconds yourself to see how much time it takes. If it takes more than the conservative 5 seconds, you need to optimize your webpage.

Credibility and trust: why would I purchase from you? If you have a track record this would be easier, but if you do not have a track record you will have to add perceived authority from other reputable companies to boost the likelihood and ease of your website. There are many ways you can do this professionally if you're new to your market.

Selling tangible items on the internet is about traffic, conversion and having the correct in-demand products to the ideal person seeing your website putting it in layman terms. If you are in love with …

There are thousands of office cleaning business owners out there who run small sized operations and make barely enough money for themselves and their families to get by on. Then there are those that become very wealthy from the cleaning industry. Clearly there are factors that separate small time cleaners from those earning ‘six figure’ incomes. We have outlined ten of these factors below.

1) Develop a Brand

A good brand will grow into a very valuable asset for you, allow you to win customers more easily as your reputation grows. A brand will also allow you to charge a price premium in the market if you consistently live up to your brands promise.

2) Productivity and Systems

Constantly work on improving your productivity so that you can get a lot more done with minimal resources and expense. You need to put systems in place to make sure that all aspects of your office cleaning business run smoothly and effortlessly.

3) Understand Marketing

Test advertising methods to see which ones are cost effective and include other methods into your overall strategy such as cross-promoting the services of other businesses, networking and ‘word of mouth’ marketing.

4) A Sales Strategy

Have a great sales strategy that makes the most of every lead. Refine this over time, focusing on professional appearance, understanding customer needs and sales techniques such as seeking out the decision maker and closing the deal.

5) The Up-Sell

It is easier to sell to your existing clients than it is to acquire new ones. Sell them additional office services, premium services or sell them on more frequent service.

6) Know How to Manage Employees

Understand the process of hiring and managing cleaning staff so that you are able to free up your time to work on developing your business. To reach the ‘six figure’ income level in office cleaning you must leverage the time of others.

7) Customer Satisfaction

Let your clients know that you appreciate their business and work on building strong relationships with them. Satisfied clients will refer additional customers to you.

8) Understand Cleaning Methods and Techniques

To be able to service your clients well and train others to do this for you, you must have mastered the cleaning trade and continually strive to stay up to date with the latest developments.

9) Office Cleaning Agreements

You need an agreement that you can enter into with new clients that is worded in a way that is reassuring and marketable to clients while still offering your office cleaning business the protection that it needs.

10) A Positive Attitude

Don’t let the negative stereotypes that cleaners often face weaken your strength or your goals. Remember all along that while you may be doing some cleaning work, you are above all an entrepreneur. Before you know it you will be managing your own crews and your office cleaning business will allow you to earn the income that you desire.

Having the right attitude is all about discipline and determination. …

America is a land of opportunity. According to the United States Census Bureau, recent data indicates over six million new businesses were created in 2003, the latest year for which data is available. It appears that for every business that was created another business met its demise. Does this mean these business enterprises failed?

Not necessarily. The United States Census Bureau records closures of companies with employees, but they do not look further into the specific circumstances for the closure. When a business closes its doors, there can be many reasons for what's statistically a "failure," including a sale or merger, which may actually be a sign of robust financial health or good prospects. When a business closes, it may be because the investors have lost their investments or because they have sold out profitably.

Selling out profitably is known as an exit strategy; it is also known as "cashing out". If you have a business that manufactures or distributes a product that suddenly becomes very popular, you may be presented with a once in a lifetime opportunity. Here are two examples.

An inventor of a device that permits parents to regulate the time that their children can watch television wins Best of show in a commercial competition for innovative products. Commercial interest in purchasing the product is intense, but funds to manufacture are insufficient. Another company manufactures a device that is related to pets. For twenty years they struggle. They pitch it to a "Big Box" store and sign a proposal to test market it in fifty stores; if successful, it will be rolled out to 200 to 300 stores with wholesale purchase orders for $ 1000 per week per store. If the product sales meet expectations, how will the manufacturer afford to pay to produce the immunity quantity of product required?

Both of these situations are in need of a bridge over troubled water called purchase order financing. Purchase order financing can be complicated and complex in details, but the concept is simple.

When a manufacturer or distributor has a large purchase order from a creditworthy customer, a commercial finance company will issue a Letter of Credit to guarantee that a factory producing the product will be paid. When the goods are shipped and delivered to the customer (ie the big box store) the commercial finance company pays the factory. The customer is invoiced for the product. An account receivable is created, which will be paid to the commercial financing company that provided the letter of credit. Purchase order financing is the bridge that makes the deal possible. Accounts receivable financing, or factoring, is the back end financing that guarantees payment to all concerned. This may involve one company on both sides of the transaction, or two companies- a purchase order financing company and an accounts receivable financing company with an intercreditor agreement to contractually obligate all parties to be repaid.

The Free Dictionary defines bridge as a verb, – .to make a bridge across; "bridge a river" …

HGV insurance stands for heavy goods vehicle insurance. This type of insurance is highly recommended for anyone owning a vehicle over seven tonnes that is used to transport goods from one place to another. The benefits to heavy vehicle owners of this insurance are many, and cover a range of things that conventional motor vehicle insurance does not. In order to ensure you obtain the right cover for you it is important to gain an understanding of the range of cover available for HGVs.

There are several reasons why special insurance for HGVs is required. Firstly these vehicles are constantly traveling and the sheer time they spend on the road means that the risk of something unforseen happening is increased. They are also carrying goods that belong to others, and HGV insurance will cover against any damage or losses of the goods in transit. If goods are damaged while being transported, lorry owners are required to pay for these losses, which could be costly. Taking out the right kind of insurance provides security not only for the heavy vehicle owner but for their customers as well.

The cost of insurance cover for HGVs varies and is generally dependent on the weight of the vehicle as well as the risk it undertakes. Because of this, some insurance premiums can be expensive but now many insurance companies offer packages that can prove to be better value for money. Many of these companies also offer pay by the month premiums which may be worth looking into. There are introductory offers available if you shop around and could save you up to 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your premium for the first year. While your transport business is being established, a saving of this magnitude in the first twelve months would be of great benefit.

When shopping around for HGV insurance there are several things that you need to look for. A good insurance package for HGVs should include cover for goods in transit, public liability cover as well as employer's liability coverage for those lorry owners who employ drivers. There are also many other options that you can select from, such as insurance against violations and legal costs, and the options that you choose for your insurance will be dependent on your individual needs. You also need to consider where your HGV travels. Whether your transport business operates locally, nationally or internationally – a good insurance provider should be easily contactable from any location your business takes you.

Obtaining insurance for your HGV can be costing, depending on the range of cover you take. Having said that, however, it is certainly not something that anyone in the transport industry can afford to overlook. The risks that face heavy goods vehicles are significantly higher than other motor vehicles and their value, as well as the value of the goods they transport, is too high to neglect covering yourself against any unforeseen circumstances. Be sure to protect your business by shopping around for the best heavy goods vehicle …

Choosing a business address is important because without it your company won’t be able to perform the most basic functions. A business address allows you to receive mail, open bank accounts, and provides an official location to receive written communications. If you already know you’re going to operate your business from a retail location, warehouse, or office building then the choice is obvious. But for most startup businesses the most frequent choice is a current residential address or P.O. Box, and neither of these aren’t always the best choice.

The Best Option that Fits Your Business Address Needs

If you use your residential address you can expect to receive a barrage of junk mail from businesses marketing their services to you. Some clients or customers may take advantage of knowing where you live and come knocking at any given time. Depending on your home location, delivery companies such as UPS or FedEx may have logistic issues when trying to make regular daily deliveries to you or you may not be home during regular delivery times and miss out on an important package. When you apply for a mortgage or car loan, lenders have more requirements when they see your work and home address are the same. Post office boxes are also not ideal because delivery companies cannot make deliveries there and in most cases a physical address is required when obtaining business licenses, permits, etc.

Private Mailbox

The suggested business address for any startup is obtaining a private mailbox from a local UPS Store, Postal Annex, Mail Boxes Etc, or similar service. Renting a private mailbox allows privacy, and helps separate your business from your home. Rental mailbox services are open regular business hours and there’s always somebody available to receive packages from delivery companies. Renting a mailbox will give you an actual street address which is usually acceptable in obtaining most licenses and permits, while others will simply ask you to provide your business mailing address and physical location where work is to be conducted (for example your home). Renting a business mailbox can range from $15 to $45 per month depending on services provided. You can find these types of companies by looking under “mailbox rental” in your local business directory or Yellow Pages.

Virtual Office

Another and much more professional solution would be a virtual office. You receive the same benefits as a rental mailbox, but with the added benefit of an actual office place where customers can come to meet with you. Since a “virtual office” is at an actual office place, it also satisfies the physical location requirements when obtaining licenses and permits. Prices can range from $60 to $300 per month. When your business is ready to grow, many of these companies can help accommodate you moving into your own office suite. Virtual office spaces can be found internationally from companies such as Regus, or HQ Global. You can find these types of companies by looking under “executive office suites” in your local business …

São Paulo is the largest city in Brazil and world’s 7th largest metropolitan area. This Alpha World City with many tourist hot spots is the second most populous metropolitan area in the Americas. This prominent commercial and entertainment center has a famous nickname “Sampa”.

São Paulo has a large number of well-equipped hospitals that offer health care service of international standard. Its private health care sector is very large with many world-class hospitals and most of the major hospitals in the nation are situated in São Paulo. All these leading hospitals in São Paulo offer service of English speaking staff.

Here is a short description of some of the leading hospitals in São Paulo.

The Hospital Alemão Oswaldo Cruz (Oswaldo Cruz German Hospital) situated at RuaJoaoJuliao,331-Paraiso CEP 01323-903- Sao Paulo is a prominent hospital in Brazil with international reputation. This 239-bedded hospital was founded in 1897 by a group of German immigrants. This Joint Commission International (JCI) accredited hospital has also achieved TEMOS, Telemedicine for the Mobile Society, certification. This famous German agency has given top marks to Hospital Alemão Oswaldo Cruz for providing best health care service to Europeans visiting Brazil. By conducting many highly complex surgeries, the hospital has attained the highest-level certification from Brazilian Accreditation Organization (ONA) also. The hospital has 239 beds, 13 ICU beds, 13-operation theaters with4 laminate flow system, sterilized materials store, equipment room, a best equipped emergency room and 15 PRA (Post Anesthesia Recovery) beds. The hospital offers excellent clinical, diagnostic and surgical service in different departments including cardiology, imaging diagnosis, endoscopy, memory stimulation, metabolic surgery, nephrology and dialysis, orthopedics, diabetes treatment, Physical therapy, hematology, oncology, human reproduction and transplants. The center offers warm accommodation in a friendly and caring environment. Telephone: 55 11 3549-0093

Hospital Sirio Libanes located at Rua Dona Adma Jafet, 91Bela Vista – São Paulo – S.P.CEP: 01308-060 is one of the most popular, modern hospitals in Brazil and Latin America. This 300-bedded premier health center, established in 1965 has 4,500 employees, performs 50 surgical procedures daily and conducts 2,000 types of various diagnostic examinations. The hospital has achieved international reputation by offering high quality health care service in more than 40 medical specialties and possessing all latest advances in medical technology. They offer medical service of global standard in their various centers of excellence, which include oncology center, cardiology center, diagnostic center, substitute renal therapy, rehabilitation center, urology, gynecology, orthopedics, gastroenterology, magnetic resonance, and memory diagnostic center and their oncology center is particularly acclaimed. The hospital provides fine accommodation in comfortable apartments/suites with an anteroom, cable TV, internet connection, a mini bar, telephone and background music. The hospital started well-equipped and round the clock emergency service with special area for children in 1992 and has modern ICUs with 22 beds for adult patients. This service oriented hospital well known for its patient focused approach is also the most reputed medical education and research institution of the country and has established the famous IEP – Instituto de Ensino e …

If you won an all-expenses paid trip to Las Vegas, would you do any gambling while you were there? Yes, no, well maybe? When my daughter was maybe 16 or 17 years old (you probably remember that time in your life that you were almost an expert at anything) we took a family vacation to Las Vegas. We walked into Caesar’s Palace and she saw a sports car on top of a group of slot machines. The car was the grand prize to be awarded to the lucky winner on that series of slot machines. She promptly informed Mom and Dad that SHE was going to be that lucky someone.

One roll of quarters and three minutes later she told us, “Gambling sucks.”

Do you consider yourself to be like our daughter and want nothing to do whatsoever with gambling? Are you one of those people who think that you never, ever gamble? Well I hate to tell you this, but the insurance industry and insurance policies are built on a gambling premise.

You will be well served to remember this basic principle: The business of insurance is a bet. Insurance is nothing more than a large company (as is a casino), with a large balance sheet, playing the odds against you… on your health, risk of an accident, storm damage, theft, death or other potentially catastrophic loss. Insurance companies educate themselves in extreme detail on the odds of actually having to pay out money on a claim. From this data, they calculate how much they can charge you based on the possibility that you will file a claim, and they still will be able to make a profit!

When you own any kind of property, whether that property is possessions like furniture, clothing, an automobile or a house, when you purchase an insurance policy you are gambling. You are gambling your money every time you make a monthly premium payment. You are betting the premium amount that you spend that something unfortunate will happen to you.

The insurance company is betting also, they’re just not betting with their own money. Not yet, that is. They are betting with a promise! Their promise is that if you experience a loss, they will spend a little bit of their money to make things right for you. The thing is, the insurance company is like the casino. All the odds are stacked in their favor. They pay large amounts of money to actuaries, specialized number crunchers, to determine the odds of you winning the game (having a covered loss). You see, as far as the insurance industry is concerned, the only way you win as a policyholder is for you to lose and have to file a claim. If you don’t win, you lose (you lose your premium payments). If you do win, you lose (something bad has happened to you). What a great game!

If you don’t lose, you lose your premium money. If you win, the best that you can …

There comes a time when we start strict considering starting our own businesses. At this point in searching which route to take, we are presented with so many ideas by our own minds, we find Network Marketing opportunities and they prove promising, we also find all this information which promises to make us wealthy.

Some reasons to start your own home business could include:

– Having small children and need some extra income, but do not wish to leave the home to work. – There may not be any jobs available where you are from.

– Or you may just be sick and tired of working for someone else.

– You may not have adequate transport to take you to work or getting to work would be a difficulty.

Whatever your reasons for wanting to start your own work from home home business, starting your own home business can be the way of securing your long-term financial future. One thing to keep in mind is that this is a risky route, but working for someone else who could easily make you redundant is also risky. So it lets venture on

Now, we desire to start our own business and we will. Whether it is a small business or a large business, what will determine the route you take will depend on your needs. In this article I am more focused on beginning a small home business and growing it larger than a business which you may need large financing for.

We now have two options available to us in starting our own work from home, home business. We can either go and blaze our own route with our own idea for a home business or join a Network Marketing opportunity. There are benefits to be had with both, some benefits why you could choose one other the other are:

::: Your own work from home home business idea :::

– You want full control of every aspect of the business

– You want to do the planning of the business

– You want to create your own product or concept

– You can get finance for your business

– You can invest full time into your home business

– You know how to run a business

::: Join a Network Marketing home business opportunity :::

– You do not know much about business or it is your first time in business

– You want to operate part time

– You want to get started right away

– You want to get started with most minimum of investment

– You want access to something that works and is proven

– You want blueprints and a downline to help you succeed

As you can see with both options of whether you choose a home business or a Network Marketing opportunity for a first home business, it all depends on your current resources. Running your own home business with your own concept, idea or product is a great way to build something big, …

As an entrepreneur, you want a lot: to grow your business in a way that feels authentic, to serve the right customers with the right products, to create a positive impact, while at the same time enjoying a meaningful and fulfilling life outside of your business. This can often feel quite daunting. You may find that you are spending countless hours doing, doing, doing without getting the results that you want and deserve. Business coaching is a business growth tool that is well worth your consideration. Let’s take a look at what it is and why it works.

A coach starts by getting to know and understand both you and your business. He or she will help you be very clear in defining what success looks like from your vantage point and then work with you to develop the vision, strategies, projects, goals, and timelines that-assuming you take action-will lead you to that success.

Business coaching is neither therapy nor pure consulting. The therapy model assumes that someone is broken and needs to be “fixed,” while a consultant may hand you a set of instructions that any generic business owner might follow. Coaching on the other hand is very personal and is relationship-based. Your coach will likely use a blend of encouragement, persuasion, and inspiration to keep you in action while you begin creating the results that you want.

Coaching works well when you are open to partnering with someone trained in helping business owners be their best. Professional coaches are particularly skilled in listening, strategizing, supporting, and keeping you on track with your tasks, projects, goals, vision, and dreams. And they do this without judgment of you and (importantly) without having a personal stake in the outcome. In this sense, your coach does what a spouse, business partner, or best friend can often have trouble doing: he or she is a completely objective third party who is 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your side.

The title of this article suggests that business coaching makes sense “now.” What do we mean by that? As a business coach, I naturally am predisposed to advocating coaching as a practical and effective tool under most circumstances. And yet, there is something happening right now in the autumn of 2010 that is in my opinion making coaching an even more compelling choice. Over the past month, I have been noticing that we are in a time of what I call congruent manifestation. That is simply a fancy way of saying that a lot of my coaching clients (and other people I know) are hearing “yes” over and over again. We seem to collectively be in a period of time during which it is easier to create the success that is possible when we are clear about what we want and take action aligned with that desire. From media deals to new jobs, to graduate school acceptance, to artists being awarded public grants, I am seeing people consistently hearing a big, resonant “yes!” to those outcomes that they …

Florida Form SR22 is the name of the document that provides verification of required insurance for drivers with a suspended license. Depending on the circumstances, court ordered suspensions have different conditions for the insurance, such as, coverage limits, compliance period, and payment terms. An assigned case number, appearing in the Motor Vehicle Report (MVR), matches insurance policies to drivers requiring SR22. Keep in mind, that a qualified policy may be a car insurance policy, motorcycle policy, or an operator’s policy where there is no vehicle to insure.

Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy, with limits of $10,000 for each. This policy type is paid in full for six months with no option to cancel, has a compliance period of two years, and a case number that begins with 2. When people are injured by an uninsured driver, Bodily Injury Liability (BIL), of $10,000 per person and $20,000 per accident, in addition to 10,000 PIP / PDL is required. This policy type can be cancelled, and the compliance period is three years. Driver license suspension will follow a canceled SR22 insurance policy, unless a new qualified policy has replaced the cancelled one.

After a policy begins, Insurance companies have up to 15 days to electronically submit (file) SR22 to the Florida Bureau of Financial Responsibility. The Florida Department of Motor Vehicles (DMV), usually will not reinstate a driver license until the electronic filing has been received. The entire process is fast and efficient, with the right company, and license reinstatement can be obtained within two days. However, some companies, will generate a “hard copy” for the policyholder, immediately after purchase, and some clerks at local DMV offices will reinstate a license when presented the certificate in person. This is the only way a license could be reinstated the same day a qualified policy is purchased.

in October 2007 Florida Form FR44 replaced Form SR22 for DUI drivers only. The SR22 filing is only acceptable on a Florida insurance policy and a $15.00 filing fee is added to the cost. Multiple SR22’s, or FR44 and SR22, are not issued on the same driver. A new FR44 filing will supersede an existing SR22 requirement. Form SR26 is used to report a policy that cancels which has the SR22 filing. Since June 30 2009 all filings must be done electronically by the insurance company on behalf of the policyholder. The older pink forms given to policyholders, to physically present to the DMV, are no longer sufficient. All SR22 case numbers begin with a one, two, or three, indicating different requirements.

Florida SR22 insurance facts, accurate and updated, are essential information for insurance agents and policyholders. Remember that the SR22 is the mechanism by which proof of insurance is established, and the insurance policy itself is basically the same with or without the SR22. Just like any other insurance policy, how much SR22 insurance costs for each driver depends on …